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Small Commercial

Small Commercial

We provide quality coverage options at competitive prices, along with the ability to rate and bind online for the majority of your small business customers.

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The Velocity Edge

Catastrophe Experience

Catastrophe Experience

We specialize in providing comprehensive coverage in the wake of the most devastating disasters.

Financial Strength

Financial Strength

Experience peace of mind knowing we have the funds to deliver on our promise when it matters the most.

Depth of Offering

Depth of Offering

Beyond your property, we’ll ensure your most important business assets and possessions are protected.

Small Commercial

Being a small business owner can leave you especially vulnerable to large catastrophes - that's why we've created comprehensive coverage plans to better protect your building, your most important assets, and even lost income. We provide quality coverage options at competitive prices, along with the ability to rate and bind online for the majority of your small business customers. Whether discussing a new business quote or servicing an existing customer, we pride ourselves on the experience you will have with our talented team of insurance professionals.

Perils covered in the face of disaster


Wind Damage














  • Florida – Serving the entire state
  • Tier 1 & Tier 2 property policies
    • Alabama
    • Georgia
    • Louisiana
    • Mississippi
    • New York
    • South Carolina
    • Texas
    • Virginia
  • Additional states coming soon
  • See our Moratorium Policy

Target Classes of Business

  • Artisan Contractors
  • Commercial Habitational
  • Health Care
  • Hospitality/Hotels
  • Office/Retail/Restaurant
  • Real Estate/Lessor’s Risk
  • Schools/ Municipalities
  • Warehouses
  • Wholesale Distribution
  • Worship Centers

Powerfully smart coverage for your small business

Ready for a quote? We’d love to help you take the next step in protecting your business.

How can I get a quote for a small commercial policy?

We primarily write small commercial policies through select wholesale brokers.

Click on the “Contact Us” button above to be connected to a wholesaler near you.

How can I be confident about Velocity's financial backing in the event of a claim?

Our substantial capital supports our business and is dedicated to both coastal risks and long-term market participation. Our backing allows for expansive capacity to help you grow your book indefinitely.

We are licensed in 50 states as a general agent and underwrite property programs through Independent Specialty Insurance Company, an affiliate of State National Group companies, Inc., rated ”A” (Excellent) by A.M. Best.

What are your underwriting and capacity requirements for small commercial?

  • Max $10M TIV per quote/policy
  • $500 minimum premium
  • Wind, Flood with Surge, Earthquake, All Other Perils and Equipment Breakdown
  • Submitted risks must have Tier 1 or Tier 2 wind, or EQ/Flood exposure for consideration.
What type of coverage do I need for my small business?

For property coverage, consider what’s at risk: building, contents and net income. You should also consider the types of loss that may occur, such as fire, wind and water damage. Be sure to ask your insurance professional to review potential losses and offer the best coverage to protect you if disaster strikes. Finally, be aware of the financial consequences of a loss. Some things are easy to calculate, such as inventory. Other losses are more difficult, such as lost income if you have to shut down your business for three months following a hurricane.

What can I do to better prepare my business against loss?

Your best line of defense against loss is to be aware of the type of loss or damage that can occur. For example, if your home or business is in a coastal community, you are at a greater risk for loss due to hurricane force winds and rainwater that might enter your business after roof damage. Hurricane season runs from June 1 through November 30, with the greatest risk of storms in September. You can stay informed by signing up for weather alerts from, the Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) weather radio. These sites are also great resources to help ensure you’re prepared well in advance of any storm.

Hurricane Resources

Earthquake Resources

Flood Resources

Ready for a Quote?

We'll help you find a local agent

*Required Information

    Request Quote by Phone

    (615) 942-0740

    Corporate Office

    Velocity Risk Underwriters, LLC
    10 Burton Hills Blvd., Ste 300
    Nashville, TN 37215
    Get directions

    Product or Policy Inquiries:

    Personal Lines: (844) 878-7529
    Small Commercial: (844) 878-7529
    Large Commercial: (615) 942-0740